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Thursday, June 13, 2024

Free ATMs Around The World (Updated 2024)

Quick Lookup:
Use this search tool to find ATMs that do not charge a withdrawal fee (or the cheapest option).


Last Updated: March 17, 2024

Kindly leave a comment if anything needs to be updated.

How to use a foreign ATM like a pro:

Using an ATM while abroad can be a very convenient way of getting your hands on some foreign cash.

Contrary to what you may think, you can actually get better rates than those offered at currency exchange booths if done in the RIGHT way.

  1. Credit cards: DO NOT use them. It will incur a cash advance fee.
  2. Debit cards: Use one that does not charge out-of-network ATM fees or foreign transaction fees.
  3. Prepaid Visa/Mastercards: Use one that does not charge ATM fees or foreign transaction fees.
  4. DO NOT let ATMs to do the conversion. Always select the currency of the country you're in, let your card issuer do the conversion.
  5. Use an ATM that does not charge a withdrawal fee (if there is one).

I've also compiled a list of ATMs that do not charge a withdrawal fee in the table below.
Use Ctrl+F to find your desired country from the table below.
Last Updated: March 17, 2024

Free ATM List

CountryNo-Fee ATM BanksLast Updated
Afghanistan
AlbaniaCredins Bank (600 LEK)Jul '23
AlgeriaBNP ParibasNov '23
AndorraANDBANKSep '18
Morabanc (MC)Feb '19
Angola
Antigua and Barbuda
Argentina
ArmeniaAmeriabank (Airport)
IDBank
Sep '23
Sep '23
AustraliaANZ BankAug '19
National Bank of AustraliaApr '18
rediATMJan '17
AustriaBankhaus Carl SpanglerJul '19
Bawag/PSKFeb '24
Hypo TirolJul '19
Volksbank Tirol AG (MC)Apr '18
AzerbaijanBank of BakuFeb '23
Bahamas
Bahrain
Bangladesh
Barbados
BelarusBelinvestbankApr '19
Belgazprombank (MC)Feb '22
BPS Sberbank (MC)Feb '22
BelSwissBankDec '21
PriorbankOct '21
BelgiumING
KBC (Visa)
Jun '19
May '19
Belize
BeninEcobankMar '24
Bhutan
BoliviaBancoFie (Visa/MC)Mar '19
Banco Pyme EcofuturoDec '16
Bosnia and HerzegovinaZiraatAug '22
UniCredit BankJul '22
Nova BankaApr '19
SberbankApr '19
BotswanaFNBAug '23
Standard CharteredAug '23
Bank of BarodaAug '23
AccessAug '23
BrazilBanco Bradesco (MC)Apr '24
Banco de Brasil (Visa/MC) - card rejectedApr '24
ItauFeb '19
Brunei Darussaiam
BulgariaFibankApr '23
DSK Bank (Airport)Sep '23
Unicredit BulbankMay '22
Central Cooperative BankSep '21
PostbankSep '21
ProCredit BankSep '19
Tokuda BankSep '19
Burkina Faso
Burundi
Cabo Verde
CambodiaAvoid Maybank and Canadia ($5/transaction)
CameroonEcobankMar '24
CanadaAlterna Savings
Aug '23
Toronto Police Credit UnionAug '23
L.I.U.N.A. Credit UnionAug '23
VancityAug '23
connectFirst Credit UnionAug '23
KEB Hana Bank (MC)Aug '23
Central African Republic
ChadEcobankMar '24
ChileScotiabank
Jun '23
Banco BICESep '19
Banco InternacionalJan '18
Itau BankDec '16
ChinaBank of China (Visa)
July '19
ICBC (Visa)July '19
China Construction Bank (Visa)July '19
CITIC (Visa)July '19
ColombiaBanco Caja SocialFeb '24
BBVAFeb '22
Comoros
Congo, Democratic Republic of the
Congo, Republic of the
Costa RicaBAC Credomatic
Nov '18
Banco Nacional
CroatiaPodravska Banka
Agram BankDec '22
HBP BankMay '23
Addiko BankAug '19
Auro DomusAug '19
IKBApr '19
Kent BankAug '19
RaiffeisenBank (MC)Jun '19
SberbankJun '19
Zagrebačka BankaJun '19
Cuba
Cyprus
Czech RepublicAir BankMar '23
FioDec '18
Komerční BankaDec '22
RaiffeisenDec '18
Unicredit BankDec '18
DenmarkNordea (MC)Sep `18
Nordjyske BankAug `19
Djibouti
Dominica
Dominican RepublicScotiabankFeb '24
Jumbo ATMNov '18
East Timor (Timor-Leste)
EcuadorBanco del Austro (MC)Nov '22
Produbanco (MC)Oct '19
EgyptNational Bank of EgyptJul '22
El SalvadorBanco Davivienda
Nov '21
Equatorial Guinea
Eritrea
Estonia
Eswatini (formerly Swaziland)
Ethiopia
Fiji
Finland
FranceMost ATMs are FREE
Gabon
GambiaMost ATMs have a fee
Access Bank (150 GMD)
Mar '23
GeorgiaBank of GeorgiaMar '23
GermanyMost ATMs are FREE
Deutsche Bank
Jun '22
Ghana
GreeceMost ATMs charge 2~3 EUR
Attica Bank (2 EUR)
Grenada
Guatemala
Guinea
Guinea-Bissau
Guyana
Haiti
Honduras
Hong KongCitibankMar '17
HSBCJan '19
Hang SengJan '19
Standard CharteredApr '20
HungaryMost ATMs are FREE
Erste Bank
OTP Bank
Jul '22
Iceland
IndiaState Bank of IndiaJan '23
KasturbaMar '18
RBL BankAug '19
Yes BankSep '16
Bank of BarodaDec '17
IndonesiaBank NegaraNov '23
CIMBNov '23
MaybankNov '23
Bank BCANov '23
Iran
Iraq
IrelandAllied Irish Bank AIB
May '17
Bank of IrelandMay '18
IsraelHapoalim ATM
Mar '23
Bank Mizrahi-TefahotDec '19
Discount BankNov '18
ItalyMost ATMs are FREE
Ivory CoastEcobankMar '24
Jamaica
JapanAEON BANK (at any AEON mall, ¥110 Yen during bank hours, ¥220 Otherwise)Dec '22
JordanJordan Commercial Bank (1 JD - the cheapest option)Apr '22
Societe Generale de BanqueJul '22
Jordanian Kuwait Bank - No fee but conversion without notificationJul '22
Investbank - No fee but conversion without notificationJul '22
KazakhstanHalyk BankMay '22
SberbankJun '19
KenyaEcobankMar '24
Equity Bank ($5 USD)Feb '24
National Bank (Visa)May '22
Diamond Trust BankMay '18
WatamuDec '18
Kiribati
Korea, NorthLet us know how ATMs look like there
Korea, SouthMost ATMs have a fee ($3~$4)
Kosovo
KuwaitBBK Burgan Bank of KuwaitAug '19
NBK National Bank of KuwaitMay '23
KyrgyzstanOptima BankFeb '22
Laos
LatviaMost ATMs are FREE
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Madagascar
Malawi
MalaysiaBSN Bank (MC/Visa)
Mar '18
CIMB Bank (MC/Visa)Sep '22
Maybank (MC/Visa)Mar '18
Maldives
Mali
MaltaBOVSep '19
HSBCSep '19
Marshall Islands
Mauritania
MauritiusSBM
Jun '23
MCBJun '23
MexicoMost ATMs have a fee
Micronesia
Moldova
Monaco
Mongolia
MontenegroCrnogorska komercijalna bankaAug '19
Erste Banka (MC)Aug '22
PRVA Banka (MC)Jul '23
MoroccoAl Barid Bank (post office)Jun '22
Mozambique
Myanmar (Burma)
Namibia
Nauru
NepalMost ATMs have a feeNov '19
NetherlandsGeldmaatJun '22
SNSMay '19
New ZealandBNZJan '24
Nicaragua
Niger
NigeriaAccess Bank (MC/Visa)Mar '19
Diamond Bank (MC/Visa)Mar '19
UBA (MC/Visa)Mar '19
North Macedonia (formerly Macedonia)Halkbank (MC)Jul '23
Ohriska Banka (MC)Jul '19
Sparkasse Bank (MC) (350 MKD fee)Jul '23
Stopanska Banka (MC)May '18
Komercijalna BankaApr '23
NorwaySpareBank 1Oct '23
OmanBank DhofarNov '18
Bank MuscatNov '18
Pakistan
Palau
Palestine
Panama
Papua New Guinea
ParaguayMost ATMs have a fee
PeruBCPJul '19
Multired ATMNov '19
PhilippinesHSBCFeb '23
PolandATM GlobalSep '18
Bank Pekao SAAug '18
SantanderDec '22
PortugalMillennium BCP (1 Eur)Sep '20
Multibanco
Qatar
RomaniaBanca Transilvania (Visa)Jan '23
BCR Bank (MC)Aug '19
BRD Bank/BRD-GSG BankOct '18
CEC Bank (MC)Jan '19
INGOct '18
OTP Bank (MC)Jan '19
Raiffeisen (Visa)May '19
RussiaBank Otrkitie (MC)Jun '19
BIN Bank (Visa)Sep '18
VTB (MC)Jun '19
RwandaI&M Bank (Visa)Nov '19
Saint Kitts and Nevis
Saint Lucia
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi ArabiaRiyad BankJul '21
SenegalBICIS
May '22
NSIAMay '22
SerbiaNLB KomercijalnaOct '23
OTP BankaSep '23
AIK Banka Jubanka (MC)Jul '22
Erste Bank (MC)May '18
Multicard ATMJul '19
SeychellesMCB
Nov '22
Al Salam BankNov '22
Sierra Leone
SingaporeUOBOct '18
SlovakiaČSOBAug '22
Postova Banka (MC/Visa)Sep '18
Unicredit (MC/Visa)Sep '18
Tatra BankaNov '18
VUBSep '20
Prima BankaNov '18
SloveniaAddiko BankAug '22
UnicreditAug '22
Solomon Islands
Somalia
South AfricaStandard Bank South Africa (free for Visa. R50 fee for MC)Jun '22
CapitecApr '19
South Sudan
SpainCaixa EnginyersFeb '24
BancoMarchDec '22
Banco SabadellSep '21
Arquia Banca (MC)Jul '19
Deutsche BankApr '19
LiberbankDec '17
TelebancoJul '17
UniCajaMar '19
Sri LankaPeople’s BankFeb '20
Bank of Ceylon (BOC)Feb '20
Sudan
Suriname
Sweden
SwitzerlandMost ATMs are FREE
Syria
TaiwanBank of TaiwanApr '23
Cathay BankApr '23
First Commercial BankApr '23
Taipei Fubon BankApr '23
SinopacApr '23
Tajikistan
TanzaniaEcobankMar '24
ThailandSay hi to ฿220 fee
Togo
Tonga
Trinidad and Tobago
TunisiaQatar National Bank (QNB)May '23
TurkeyPTT Bank (Post office)Sep '23
INGSep '23
KuveytTurkAug '23
HSBCAug '22
HalkbankSep '23
Ziraat BANK (MC)Jul '22
Turkmenistan
Tuvalu
UgandaDFCU (Visa)
Nov '19
Orient Bank (Visa)Nov '19
UkraineKredo Bank (Visa)Apr '19
Oschadbank
Ukrsibbank (Visa)
United Arab EmiratesAbu Dhabi Commercial Bank
Aug '19
Emirates (NBD) BankJul '22
United KingdomMost ATMs are FREE
United States of AmericaRegions Bank (Miami Beach)Mar '24
SantanderMay '19
UruguayRedbrou (Visa)
June '23
Banco de la República Uruguay (Visa)May '19
UzbekistanKapital BankJune '19
Vanuatu
Vatican City (Holy See)
Venezuela
VietnamVP BankApr '24
TP BankApr '24
HSBC
ACB (Visa)
MB BankJun '17
Saigon Commercial BankJun '17
Yemen
ZambiaEcobankMar '24
Stanbic Bank (Visa)
Sep '19
AtlasmaraApr '23
FNBApr '23
Zimbabwe

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14 COMMENTS

  1. Hello,
    I’ve just been to Miami last week and the Regions Bank in Miami Beach (intersection Alton Rd with 17th street) was the only ATM I found with no fees whatsoever!

  2. Thanks Jason. Very good list! Let me add one more country, according to reports, in Cote D’Ivorie, Ecobank ATMs have no fee.

  3. Hi Jason, I just came back from South Africa. Unfortunately all banks charge 50ZAR fee, avoid ABSA that charges 75. May 2024

      • BTW, I also want to add to your list that during my trip to Colombia and Ecuador in November 2023, I found most ATMs in Ecuador charges USD 3-4 fees. Including the ones on the list. I tried both Visa and Master. In Colombia, I couldn’t find Banco Caja Social. And I tried BBVA but they couldn’t process my card for some reason. But I successfully got cash from Davivienda’s ATM in Bogota Airport using a Mastercard. And I did it a couple times later on Davivienda in other cities as well. No fees, very straight forward. So Davivienda is the bank I would recommend in Colombia.

        • Thank you for these valuable data.
          Sorry my list isn’t helping much to you 🙁
          I’m not sure about BBVA but Banco Caja Social I’m very positive because a friend of mine went to Colombia few months ago and confirmed it.

  4. Hi,
    I was in Albânia last week, the credins is charging 600 LEK now and the best I could find was ABI (American Bank of Investment) charging 500 LEK.

    Now, I’m in Montenegro and all ATM I tried charge 4.99 EUR per withdrawal.

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